National Bank Holdings Corporation
National Bank Holdings Corporation operates as the bank holding company for NBH Bank that provides various banking products and financial services to commercial, business, and consumer clients in the United States. It offers deposit products, including checking, savings, money market, health savings, and other deposit accounts, including fixed-rate and fixed maturity time deposits ranging. The co… Read more
National Bank Holdings Corporation (NBHC) - Net Assets
Latest net assets as of December 2025: $1.39 Billion USD
Based on the latest financial reports, National Bank Holdings Corporation (NBHC) has net assets worth $1.39 Billion USD as of December 2025.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($9.88 Billion) and total liabilities ($8.50 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $1.39 Billion |
| % of Total Assets | 14.01% |
| Annual Growth Rate | 1.47% |
| 5-Year Change | -80.69% |
| 10-Year Change | 158.33% |
| Growth Volatility | 190.2 |
National Bank Holdings Corporation - Net Assets Trend (2009–2025)
This chart illustrates how National Bank Holdings Corporation's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for National Bank Holdings Corporation (2009–2025)
The table below shows the annual net assets of National Bank Holdings Corporation from 2009 to 2025.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | $1.39 Billion | +6.13% |
| 2024-12-31 | $1.31 Billion | +7.61% |
| 2023-12-31 | $1.21 Billion | +11.04% |
| 2022-12-31 | $1.09 Billion | -84.78% |
| 2021-12-31 | $7.17 Billion | +774.21% |
| 2020-12-31 | $820.69 Million | +7.01% |
| 2019-12-31 | $766.92 Million | +10.35% |
| 2018-12-31 | $695.01 Million | +30.54% |
| 2017-12-31 | $532.41 Million | -0.71% |
| 2016-12-31 | $536.19 Million | -13.17% |
| 2015-12-31 | $617.54 Million | -22.28% |
| 2014-12-31 | $794.58 Million | -11.50% |
| 2013-12-31 | $897.79 Million | -17.68% |
| 2012-12-31 | $1.09 Billion | +0.17% |
| 2011-12-31 | $1.09 Billion | +9.56% |
| 2010-12-31 | $993.76 Million | -9.45% |
| 2009-12-31 | $1.10 Billion | -- |
Equity Component Analysis
This analysis shows how different components contribute to National Bank Holdings Corporation's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 57399500000.0% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $572.46 Million | 41.33% |
| Common Stock | $515.00K | 0.04% |
| Other Comprehensive Income | $-44.05 Million | -3.18% |
| Other Components | $856.18 Million | 61.81% |
| Total Equity | $1.39 Billion | 100.00% |
National Bank Holdings Corporation Competitors by Market Cap
The table below lists competitors of National Bank Holdings Corporation ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Ypsomed Holding AG
PINK:YPHDF
|
$1.40 Billion |
|
Shandong Shida Shenghua Chem
SHG:603026
|
$1.40 Billion |
|
Fulltech Fiber Glass
TWO:1815
|
$1.40 Billion |
|
The Boston Beer Company Inc
F:BBEA
|
$1.40 Billion |
|
Liaoning Cheng Da Co Ltd
SHG:600739
|
$1.40 Billion |
|
Spirent Communications plc
PINK:SPNUF
|
$1.40 Billion |
|
Zhuhai CosMX Battery Co Ltd
SHG:688772
|
$1.40 Billion |
|
Empresas CMPC
SN:CMPC
|
$1.40 Billion |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in National Bank Holdings Corporation's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 1,305,075,000 to 1,385,114,000, a change of 80,039,000 (6.1%).
- Net income of 109,574,000 contributed positively to equity growth.
- Other comprehensive income increased equity by 25,995,000.
- Other factors decreased equity by 55,530,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $109.57 Million | +7.91% |
| Other Comprehensive Income | $26.00 Million | +1.88% |
| Other Changes | $-55.53 Million | -4.01% |
| Total Change | $- | 6.13% |
Book Value vs Market Value Analysis
This analysis compares National Bank Holdings Corporation's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 1.07x
- The company is trading above its book value, indicating the market recognizes value beyond its reported assets.
- The price-to-book ratio has decreased from 1.84x to 1.07x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2009-12-31 | $20.98 | $38.65 | x |
| 2010-12-31 | $19.00 | $38.65 | x |
| 2011-12-31 | $20.90 | $38.65 | x |
| 2012-12-31 | $20.89 | $38.65 | x |
| 2013-12-31 | $18.90 | $38.65 | x |
| 2014-12-31 | $20.14 | $38.65 | x |
| 2015-12-31 | $20.05 | $38.65 | x |
| 2016-12-31 | $19.52 | $38.65 | x |
| 2017-12-31 | $19.71 | $38.65 | x |
| 2018-12-31 | $22.11 | $38.65 | x |
| 2019-12-31 | $24.32 | $38.65 | x |
| 2020-12-31 | $26.41 | $38.65 | x |
| 2021-12-31 | $27.04 | $38.65 | x |
| 2022-12-31 | $33.42 | $38.65 | x |
| 2023-12-31 | $31.82 | $38.65 | x |
| 2024-12-31 | $33.97 | $38.65 | x |
| 2025-12-31 | $36.28 | $38.65 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently National Bank Holdings Corporation utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 7.91%
- The company has moderate efficiency in generating returns from equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 18.76%
- • Asset Turnover: 0.06x
- • Equity Multiplier: 7.14x
- Recent ROE (7.91%) is above the historical average (5.33%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2009 | -0.14% | -318.92% | 0.00x | 1.00x | $-111.28 Million |
| 2010 | 0.61% | 25.90% | 0.00x | 5.14x | $-93.32 Million |
| 2011 | 3.85% | 18.40% | 0.04x | 5.83x | $-66.91 Million |
| 2012 | -0.05% | -0.20% | 0.05x | 4.96x | $-109.60 Million |
| 2013 | 0.77% | 3.06% | 0.05x | 5.47x | $-82.85 Million |
| 2014 | 1.15% | 3.95% | 0.05x | 6.07x | $-70.28 Million |
| 2015 | 0.79% | 2.37% | 0.04x | 7.58x | $-56.87 Million |
| 2016 | 4.30% | 11.51% | 0.04x | 8.53x | $-30.56 Million |
| 2017 | 2.74% | 7.16% | 0.04x | 9.10x | $-38.66 Million |
| 2018 | 8.84% | 21.03% | 0.05x | 8.17x | $-8.05 Million |
| 2019 | 10.48% | 24.52% | 0.06x | 7.69x | $3.67 Million |
| 2020 | 10.79% | 25.03% | 0.05x | 8.12x | $6.52 Million |
| 2021 | 11.14% | 30.58% | 0.04x | 8.59x | $9.60 Million |
| 2022 | 6.53% | 20.57% | 0.04x | 8.77x | $-37.95 Million |
| 2023 | 11.71% | 25.66% | 0.06x | 8.20x | $20.77 Million |
| 2024 | 9.10% | 19.99% | 0.06x | 7.52x | $-11.69 Million |
| 2025 | 7.91% | 18.76% | 0.06x | 7.14x | $-28.94 Million |
Industry Comparison
This section compares National Bank Holdings Corporation's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $25,670,820,700
- Average return on equity (ROE) among peers: 9.44%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| National Bank Holdings Corporation (NBHC) | $1.39 Billion | -0.14% | 6.14x | $1.40 Billion |
| Ameris Bancorp (ABCB) | $120.94 Million | 10.83% | 9.48x | $4.91 Billion |
| ACNB Corporation (ACNB) | $2.75 Billion | 1.01% | 0.01x | $462.57 Million |
| Addiko Bank AG (ADBKF) | $839.50 Million | 5.41% | 6.63x | $210.07 Million |
| Affinity Bancshares Inc (AFBI) | $120.97 Million | 6.26% | 5.51x | $79.94 Million |
| Absa Group Limited (AGRPF) | $19.52 Billion | 23.08% | 14.72x | $6.72 Billion |
| AIB Group plc (AIBGY) | $14.46 Billion | -16.17% | 8.45x | $21.72 Billion |
| Akbank Turk Anonim Sirketi (AKBTY) | $211.22 Billion | 31.48% | 8.02x | $8.60 Billion |
| Alpha Bank SA (ALBKY) | $7.32 Billion | 8.44% | 8.89x | $1.12 Billion |
| Community Capital Bancshares Inc (ALBY) | $9.19 Million | 7.09% | 8.66x | $19.76 Million |
| Alpine Banks of Colorado (ALPIB) | $342.89 Million | 16.92% | 10.27x | $248.47 Million |